obviously on long island, new jersey are going to feel it the most in spikes in prices and people in california feel it less. toby makes a very good point about insurance rates, but i think back to katrina and i did not see, can't recall seeing any spike in insurance rates. so, you know, things like lumber again. this is more localized. not to minimalize it, but it's more localized at this point. >> brenda: susan. >> there are tremendous costs, and infrastructure destroyed, businesses, rail line tracks washed away in new jersey, and there's a lot of rebuilding and costs assembled in the various pieces and we need to remember when we start looking at blood prevention policies as we move forward, the impact, the economic impact and really, the amount of investment we're going to need to make in order to try to prevent some of the things in the future. >> brenda: actually, jonas, there's kind of a short-term spending boom, a stimulus in a way, isn't it? >> yeah, over the long term. but the government spending, basically in new jersey, particularly, you're going to see money being liquidated from c